Users in pollen 2000 yuan to buy fake LV platform commodity authenticity questioned 祭夙玉

Users in the pollen 2000 yuan to buy fake LV platform commodity authenticity questioned "pollen" poster. Data map does not need real name registration, "pollen" commodity authenticity doubt, the rule of law weekend trainee reporter Liu Jia "do you know ‘pollen’?" Sun Li also sells children’s clothes on the top. They are big brands, and they’re very cheap!" "But a lot of people are buying fakes on the top, and I’m ready to uninstall." Two young girls whisper in August 26th at the China World Trade Center metro station in Beijing. The girls said "pollen", is a focus on mother and child transfer of second-hand goods APP, Sun Li and many other stars settled in it, coupled with its "both buyers, sellers" operating rules, attracted countless users. While the "pollen child" quickly became popular, the voices of doubt also appeared. In Hubei Wuhan users Aman Chang (a pseudonym) as an example, she is said to have in the APP on the "authentic" bag, is a high imitation goods. Like her, there are many others. 2000 yuan to buy a fake LV second-hand bag "pollen child" is built by Beijing Garden Technology Co., Ltd. to focus on the mother and child class second-hand idle trading platform. Its CEO Zheng Xiaowen introduced, this is a completely public welfare, "zero income" intermediary platform, APP since June formally launched, only a month time, will have more than 1 million users. "In August 12th, I was wandering ‘pollen’, took a fancy to a LV shopping bag, the seller claimed to be the last to buy genuine, 90% new, no obvious flaws, although marked 7700 yuan, but to sell 2400 yuan, before buying in order to ensure that this shop is genuine, also see the user evaluation below, find all the praise, I feel should be quite reliable, on the order." Aman Chang said, but she regretted it a few days after she received it. In August 19th, she opened the courier, take the package to a second-hand luxury shops, check after the clerk told, this package is a. Aman Chang immediately communicate with the seller, but the seller is said to be Aman Chang’s problem, but also "buyers malicious damage" grounds rejected its return application. In desperation, Aman Chang hopes "pollen" APP can help solve the problem, but did not expect, there is no official customer service phone on the APP. Not only that, on the client want to communicate with the customer "floret", but also to row in the hundreds of people after. Then, Aman Chang published in the state of sina micro-blog, found that there are a lot of people like her have established a human rights group, the group has as much as her fake users buy in "pollen", the number of up to 15 individuals, which experienced users told her that it is not, to "pollen" APP for arbitration. So Aman Chang did it. A week later, Aman Chang finally received a platform phone, the seller said that the seller agreed to refund, so she finally breathed a sigh of relief. Credit function has been questioned, although the problem has been solved, but Aman Chang wants to make clear is: for the protection of platform commodity quality, "pollen child" whether there are relevant measures? In August 24th, Zheng Xiaowen told law theory

用户在花粉儿2000元买到假LV 平台商品真伪遭质疑 “花粉儿”海报。资料图   无须实名登记 “花粉儿”商品真伪存疑   法治周末见习记者 刘嘉   “你知道‘花粉儿’吗?孙俪也在上边卖孩子的衣服,都是大牌,价格特便宜!”“但好多人都在上边都买到假货了,我都准备卸载了。”8月26日,北京国贸地铁站,两个年轻女孩小声地议论。   女孩们所说的“花粉儿”,是一个专注母婴二手商品转让的APP,孙俪等一众明星入驻其中,再加上其“既是买家,也是卖家”的运营规则,吸引了无数用户。   而在“花粉儿”迅速走红的同时,对其的质疑之声也出现了。以湖北武汉的用户张敏(化名)为例,她就说在这个APP上买到的“正品”包包,其实是高仿A货。和她遭遇类似的,还有许多人。   2000元买了个假LV二手包   “花粉儿”是由北京花圃科技有限公司打造的一款专注于母婴类二手闲置交易平台。其CEO郑晓文介绍,这是一个完全公益、“零收益”的中介平台,APP自6月正式上线以来,仅一个月时间,便拥有超过100万名用户。   “8月12日,我在‘花粉儿’上闲逛,看上了一个LV购物袋,卖家声称是去年购买的正品、九成新、没有明显瑕疵,虽然标注7700元,但却以2400元卖出,买之前为了确保这家店卖的是真货,还看了底下的用户评价,发现全部都是好评,我感觉应该挺靠谱的,就下单了。”张敏说,然而她收货后没几天就后悔了。   8月19日,她拆开快递后,拿上包就去了一家二手奢侈品店,检查后被店员告知,这个包是A货。张敏马上和卖家沟通,但卖家却表示是张敏的问题,还以“买家恶意破坏”为由拒绝了其退货申请。   无奈之下,张敏希望“花粉儿”APP能帮忙解决问题,但是没想到,APP上竟然没有官方客服电话。不仅如此,在客户端上想与客服“小花”沟通,更是要排在几百号人之后。   随即,张敏在新浪微博发表状态,发现有很多跟她一样遭遇的人建立了一个维权群,群里有和她一样在“花粉儿”买到假货的用户,人数最多的时候有15个人,里面有经验的用户告诉她,实在不行,可以向“花粉儿”APP申请仲裁。   于是张敏照着做了。一周过去,张敏终于收到平台电话,对方表示,卖家同意退货退款,于是她总算松了一口气。   信用金功能遭质疑   尽管问题解决了,但张敏想弄清楚的是:对于保障平台商品质量方面,“花粉儿”是否有相关措施?   8月24日,郑晓文告诉法治周末记者,“花粉儿”对卖家商品进行了严格审核,工作人员会核实所有商品资料,确定是否符合商品上架规则,杜绝商家入驻并以谋利为目出售商品的行为,另外,虽然没有客服电话,但是APP内有完善的投诉机制,可以满足用户投诉等需求。   此外,郑晓文坦言,虽然“花粉儿”逐个筛查所有商品,但难以100%保障商品质量合格,卖家有很多方法绕过网络审查,难免出现商品存在质量问题或与卖家描述不符的情况,为此“花粉儿”推出了交易信用保证金(以下简称“信用金”),这是卖家对出售商品质量、安全、信誉作出的承诺。   不过,据“花粉儿”上的个人卖家汪倩(化名)介绍:“信用金起不到一点作用,而且当初交钱的时候速度很快,现在退钱就一直拖延。”   汪倩说:“‘花粉儿’客服曾向我表示,交了信用金之后,会对商品推广有一定的推动作用,我才交了1000元信用金,但之后我发现根本没有任何作用,买家还是不能看到我的商品,浏览量一直是0次,首页推荐的也永远是加V用户,我听说,就算发生了商品质量问题,信用金也不会被扣除,而是全部返还给卖家,那信用金到底有什么用?”   对此,郑晓文表示,商品被下架、店铺被封的卖家,百分百是触犯了“花粉儿”的商品规则;推荐加V用户是因为她们都是现实中认识的朋友,因此商品会有一定保障;另外,信用金只是卖家向平台承诺出售商品是正品,交纳之后“花粉儿”会给店铺点亮一个“信”的标识,不过一旦出现质量问题,平台会全部返还信用金,同时永久熄灭“信”。   北京邮电大学互联网治理与法律研究中心副教授崔聪聪认为,信用金全部返还给卖家并不合理,应优先赔付给买家,减少其损失。   郑晓文介绍,目前,信用金体系已经下架升级,未来可能会对信用金用户进行实名认证,并且一旦发生纠纷,将信用金优先赔付给买家。   二手平台须实名认证   法治周末记者了解到,如果卖家想要通过国内最大的闲置交易平台、阿里巴巴集团旗下的“闲鱼”出售商品的话,实名认证是重要一环,近日,闲鱼还推出了实名认证的升级版――号称“史上最严格的实人认证“,可让用户展现自己淘宝等级、芝麻信用、微博认证、动态信息等多维信用记录”,此举被业内视为闲鱼分享经济信任体系建设再度迈出的重要一步;同样,58集团旗下二手电商APP“转转”,也采用了用户身份认证等功能来保证交易者是真实的个人……另外,国内例如淘宝、京东、聚美优品等电商平台,无一例外的要求卖家进行实名认证。   一位不愿透露姓名的电商从业人员介绍,个人卖家入驻淘宝和大多二手交易平台都需要实名认证,而对那些企业入驻的卖家,平台更将严格审核卖家的企业资信、质检文件等信息,同时为了保证商品质量,更是建立了严格的审核程序,对商品进行实物审查。   与前述电商平台不同的是,目前,“花粉儿”并不需要经过繁琐的实名认证,每个人都可以很轻松地注册成为卖家,那既然这样,万一买家买到假货,却联系不上卖家时,所受损失该由谁负责?   根据网络交易管理办法,从事网络商品交易的自然人,应当通过第三方交易平台开展经营活动,并向第三方交易平台提交其姓名、地址、有效身份证明、有效联系方式等真实身份信息。   网上交易保障中心副主任乔聪军指出,“花粉儿”二手交易平台应该对卖家身份进行审查和登记,并在卖家店铺主页面醒目位置展示已核实身份标记证明,否则,将可能被管理机关予以警告,责令改正,拒不改正的,处以一万元以上三万元以下的罚款。   而北京市国理律师事务所律师刘政认为,单纯从商业模式上讲,“花粉儿”这样的二手交易平台,可以根据自身的商业特征选择是否对卖家进行实名认证,但根据消费者权益保护法的规定,买家通过“花粉儿”购买商品,若合法权益受到损害,在平台不能提供销售者的真实身份信息的情况下,用户有权要求交易平台承担赔偿责任,由此可见,为了避免“惹祸上身”,平台应当选择进行实名认证。   来源:法治周末 进入【新浪财经股吧】讨论相关的主题文章:

除了武汉 南京工业大学理学院

The medical insurance fund growth to recover the pregnant support hidden risks worry throttle measure data show that in recent years the national health insurance fund revenue growth is less than the increase in spending. Many experts said that this "do not receive support" gradually pushed the health insurance fund "bottom" risk. What are the risks behind the annual increase of medical insurance fund? Worry about health insurance "wear bottom" is not alarmist? According to the use of medical insurance fund, reporters in Shanghai, Wuhan, Jilin and other places to investigate. Medical insurance increase income over expenditure behind the risk in the medical insurance for urban residents, according to the annual statistical bulletin of human resources and social security ministry published annually, from 2011 to 2014, the annual urban basic medical insurance fund total revenue increased by about 29%, 25%, 19% and 17%. At the same time, the growth rate of medical insurance fund expenditure is about 25%, 25%, 22% and 20% respectively. Statistics show that there are some cities and towns medical insurance fund is facing the pressure. Have universal health care as a whole, human resources and social security department, Ministry of finance, the national health plan on 2014 the national social insurance fund accounts of the Commission last November 16th announced that consists of the basic medical insurance fund for urban residents and the new rural cooperative medical fund resident basic medical insurance fund income 447 billion 700 million yuan in 2014, growth 14%; spending 424 billion 300 million yuan, a year-on-year increase of 55 billion 500 million yuan, up 15%. The balance of payments is 23 billion 400 million yuan this year. Fund expenditure growth is greater than income increase. Some experts believe that such a phenomenon in the next few years or showing a trend of aggravation. Professor Liang Hong, vice president of China Medical Insurance Research Association, believes that the growth rate of China’s medical insurance fund expenditure is larger than that of the income increase, and it may become more and more serious. He said that China’s aging population, medical new technology and new equipments become more and more popular, and included in the Medicare payment category, urban and rural medical insurance is expanding, these factors lead to rising medical expenses, but also to many city health insurance fund twist incur losses". Reporters interviewed a number of industry insiders and experts generally believe that, from the current data and actual use of the situation, the health insurance fund "bottom" risk is gradually increasing. Professor Hu Shanlian director of the Shanghai Municipal Health Development Research Center said that in recent years, the medical expenses in China with an average annual growth rate of two digit rise, more than the average wage growth is also faster than social, Medicare payment growth, in addition to considering the normal medical demand increases, scientific and effective controlling the irrational increase of medical expenses is very urgent. Dean, Huazhong University of Science and Technology health policy and Management Institute, Tongji Medical College professor Fang Pengqian said, the health insurance fund to "open source" has been very difficult, at present, the government and enterprises to take a large proportion of medical insurance, if the economic situation is not reversed, the health insurance fund "wear bottom" risk is likely to advance. Fang Pengqian believes that by 2017, the basic medical insurance fund for urban workers will be the current "can not afford to support" phenomenon, by 2024, there is a serious deficit in the fund’s accumulated surplus deficit. "Open source" and "cutting" measures of mixed treatment of small cold to spend a thousand dollars on.

医保基金增幅收不抵支藏风险 节流措施有喜有忧   数据显示,近年全国医保基金收入增幅小于支出增幅。多位专家表示,这种“收不抵支”逐步推高了医保基金的“穿底”风险。医保基金年增幅“收不抵支”的背后,哪些风险正朝我们步步逼近?担心医保“穿底”是不是杞人忧天?针对医保基金的使用状况,记者在上海、武汉、吉林等地展开调查。   医保增幅“收不抵支”背后藏风险   在城镇居民医保方面,据人力资源和社会保障部每年公布的年度统计公报,2011年至2014年,全年城镇基本医疗保险基金总收入同比增幅约29%、25%、19%和17%。同时,医保基金支出增幅约为25%、25%、22%和20%。有统计显示,目前已有部分地方的城镇医保基金面临收不抵支压力。   就全民医保整体而言,财政部、人力资源和社会保障部、国家卫生计生委去年11月16日公布的关于2014年全国社会保险基金决算的说明显示,由城镇居民基本医疗保险基金和新型农村合作医疗基金组成的居民基本医疗保险基金,2014年收入4477亿元,增长14%;支出4243亿元,比上年增加555亿元,增长15%。本年收支结余234亿元。基金支出增幅大于收入增幅。   有专家认为,这样的现象在未来几年或呈现加重趋势。中国医疗保险研究会副会长梁鸿教授认为,我国医保基金支出增幅大于收入增幅的现象或许会越来越严重。他表示,我国人口老龄化加剧,医疗新技术、新药械越来越普及,并纳入医保支付范畴,城乡医保统筹正在扩大,这些因素导致医疗费用攀升,也让许多城市医保基金“扭盈为亏”。   记者采访多位业内人士和专家普遍认为,从目前数据和实际使用情况来看,医保基金“穿底”的风险正在逐步加剧。上海市卫生发展研究中心主任胡善联教授说,近年来,我国医药费用以年均增长两位数的幅度攀升,超过社会平均工资增幅,也快于医保缴费的增长,除考虑正常医疗需求增加外,科学有效控制医疗费用不合理增长显得十分迫切。   华中科技大学健康政策与管理研究院院长、同济医学院教授方鹏骞教授说,医保基金继续“开源”已经很困难,目前政府和企业为医疗保险承担了很大的比例,如果经济状况不扭转,医保基金“穿底”风险很可能会提前。方鹏骞认为,到2017年,城镇职工基本医疗保险基金就将出现当期“收不抵支”的现象,到2024年就出现基金累计结余亏空的严重赤字。   “开源”“节流”措施有喜有忧   治小感冒要花费千元,切个“鸡眼”要2000元……近年来,媒体曝光的过度医疗案例让公众质疑医保基金并未“花在刀刃上”,一些人和机构正在鲸吞医保基金“红利”。去年,武汉部分药店医保卡违规刷卡被媒体曝光。记者调查发现,套刷、代刷并不复杂:结算时,药店用医保目录中的药名代替商品,只要总额相符就可以。   这种套取医保基金的手法被媒体曝光后,武汉市人社部门采取“零容忍”态度开展“整治风暴”,出台“史上最严”规定:一经发现直接亮“红牌”取消定点医保药店资格,两年内不得再申报。   日前,记者再次在武汉调查发现,措施升级后,药店刷医保卡购物变得非常困难。   从武汉的调查情况看,当地为严格管理医保基金而出台强硬“节流”措施取得了良好的效果。据武汉市人社部门统计,截至目前,武汉已取消400多家定点药店的医保资格,追回用医保卡刷非医保用品的不合理费用8000多万元,采取措施“节流”的效果非常明显。   据了解,除了武汉,一些地方还使用医保监控等系统,对医保资金的使用进行严格监管,避免资金滥用。但是在有些地区,由于对医保基金过度收紧“节流”,群众连正常的医保、医疗需求都得不到满足。   在吉林长春,限制患者的医保支出已成行业的“潜规则”。据了解,长春部分医院为了不超过医保资金使用限制,对收治医保患者做出限制。一些医院甚至拒收医保患者,给急需用医保卡就医的患者带来了麻烦。患者想用医保住院,唯一办法就是排队等待。   据了解,患者用医保看病,医院和医保中心之间要为限额的事反复沟通,手续繁琐。如果定额用光,超额部分医保部门无法为医院兑现,医院为了避免“损失”只能拒收医保患者。长春一家市级医院的护士透露,医院限制收治医保患者之后,有科室患者数量下降了一半左右。    医保平稳运行呼唤科学机制落地   目前,我国各地不断优化医保政策,在稳步提升保障水平的同时确保医保基金安全运行。例如,上海今年起市民无论城镇户籍还是农村户籍,都可参加城乡居民基本医保,整合城乡居民医保政策和经办管理,完善基本医保管理和经办运行机制,将进一步提高医保经办能力和效率。武汉市人社局今年出台新规,取消参保缴费时间限制,居民提交材料也有所减少,最大程度上为基金“开源”。   针对医保基金的“穿底”风险,梁鸿认为,城市医疗服务水平高价格高,而农村医保缴费偏低,给基金带来压力。他建议建立国家级的医保风险准备基金或者调节资金进行托底保障。   专家认为,要从根本上解决问题,还需医疗、医保、医药三大领域改革实现“并驾齐驱”、协同推进。方鹏骞认为,“三医联动”是医改顶层设计的核心内容,不仅能解决老百姓看病贵的问题,还协调解决医院、医药领域中存在的问题。   “‘三医联动’这个顶层设计是针对三大机构,也就是医院、医药、医保之间的良性互动。三个领域改革同步进行,医院积极性提高,服务效益提升,医药厂商盈利,医疗费用降低,最终百姓受益。”方鹏骞说。 进入【新浪财经股吧】讨论相关的主题文章:

the total net profit of 42 billion 148 million yuan 黄兴公园飞飞广场舞

The first half of the overall listing of securities brokerage business to accelerate the transformation of the dismal performance of sina finance App: Live on-line blogger to listen to expert guidance on forest stock selection Jiepan Niugu tournament China securities network by shrinking market transactions, the first half of this year, the overall performance of the securities industry "dismal performance". According to statistics, 25 listed companies in the first half of this year, the total net profit of 42 billion 148 million yuan, the total revenue of 116 billion 80 million yuan. Among them, 21 listed brokerage net profit in the first half of this year was "cut", Shanxi securities net profit decline, down 85%; 14 listed brokerage revenues fell more than 50%. According to the Securities Times reported on August 30th, the Securities Industry Association statistics China revealed that this year the securities industry in the first half of total operating income of 157 billion 79 million yuan, net profit of 62 billion 472 million yuan, down 52.47% and 59.22% respectively over the same period, the industry of securities trading agency business net income of 55 billion 976 million yuan, down 64.67% over the same period. Among them, the brokerage business fee net income declined most obviously. 25 listed securities dealers in the first half of this year, the sale of securities business net income of 39 billion 833 million yuan. Among them, in addition to the founder securities agent sale securities business net income fell by 48.1% year-on-year, the remaining 24 year-on-year decline of over 50%. The 2016 semi annual report disclosed by A listed securities companies found that although the proportion of investment banking and asset management business increased slightly, brokerage business is still an important part of the broker’s income. With the introduction of one family policy and the rapid development of Internet securities, it is inevitable for securities brokerage business to transform into wealth management. Overall, the listed brokerage business, mainly resorted to force the mobile terminal, a new light business department, the layout of the smart investment adviser, continued consignment of financial products "four tricks. First, force the mobile terminal". The trading volume of stock and fund market share remain the industry’s first Huatai Securities, for example, semi annual report shows that the first half of this year, Huatai Securities mobile terminal up wealth through music downloads in 4 million 147 thousand and 800, the average daily number of active users in the first half of 1 million 831 thousand and 800; up wealth through music mobile terminal customer account number 555 thousand, accounting for all accounts 92.39%; Huatai Securities 78.27% trading customers through up wealth through music trading. In order to obtain the "WeChat account" pilot licensed investment securities, for example, the broker through cooperation with Tencent, has formally launched the "micro securities" business. Users can "brush accounts" — through the operation interface, face recognition to determine the true identity, you can open the securities account. National treasure securities with "Commission treasure" said that the future will be based on the traditional diversion cooperation, and gradually cooperate in the service and information content. Two is "large-scale new light business department"". The trend of "staking" is increasingly fierce, and the branches are regarded as the landing point, marketing window and service base of the brokerage business. According to reporters incomplete statistics, this year, the brokerage approved new business department has exceeded 600 theory

上市券商上半年整体业绩惨淡 经纪业务加快转型 新浪财经App:直播上线 博主一对一指导 听牛人解盘选牛股 上股林争霸赛   中国证券网讯 受市场交易缩量影响,今年上半年,证券行业整体业绩表现“惨淡”。据统计,25家上市券商今年上半年实现净利润总额421.48亿元、营业收入总额1160.8亿元。其中,21家上市券商今年上半年净利惨遭“腰斩”,山西证券净利跌幅最大,同比下降85%;14家上市券商营业收入同比降幅逾五成。   据证券时报8月30日报道,中国证券业协会统计数据显示,今年上半年证券行业累计实现营业收入1570.79亿元,净利润624.72亿元,分别较同期下滑52.47%和59.22%,其中行业代理买卖证券业务净收入559.76亿元,较同期下滑64.67%。   其中,经纪业务手续费净收入下滑最为明显。25家上市券商今年上半年代理买卖证券业务净收入共398.33亿元。其中,除方正证券代理买卖证券业务净收入同比下滑48.1%外,剩余24家同比下滑幅度均超五成。   查阅A股上市券商披露的2016年半年报发现,尽管投行、资管业务营收比重小幅上升,经纪业务仍是券商收入的重要组成部分。伴随一人多户政策的推出以及互联网证券的快速发展,券商经纪业务迈向财富管理转型已是必然。   总体而言,上市券商经纪业务转型中,重点使出了“发力移动终端、大举新设轻型营业部、布局智能投顾、持续代销金融产品”四大招数。   一是“发力移动终端”。以股票基金交易量市场份额保持行业第一的华泰证券为例,半年报显示,今年上半年,华泰证券移动终端“涨乐财富通”下载量414.78万,日均活跃用户数183.18万;上半年“涨乐财富通”移动终端客户开户数55.5万,占公司全部开户数的92.39%;华泰证券78.27%的交易客户通过“涨乐财富通”进行交易。   再以取得“微信开户”试点许可的招商证券为例,该券商通过与腾讯合作,目前已正式上线“微证券”业务。用户可“刷脸开户”——通过操作界面,进行人脸识别判定真实身份后,即可开通证券账户。   而拥有“佣金宝”的国金证券则表示,未来将在传统导流合作的基础上,逐步在服务及资讯内容方面展开合作。   二是“大举新设轻型营业部”。券商跑马圈地之势愈发猛烈,并将分支机构视为券商各项业务的落地点、营销窗口和服务基地。据记者不完全统计,今年以来,券商获批新设营业部已超600家。以东方证券和东北证券为例,东方证券于今年7月获批设立33家营业部,东北证券于8月获批设立9家分支机构。   三是“布局智能投顾”。作为首家发布机器人投资顾问的上市券商,广发证券自主开发并推出“贝塔牛”机器人投资顾问系统,为客户提供股票类和资产配置类投顾服务。   四是“持续代销金融产品”。券商经纪业务净收入中,代理买卖证券业务、交易单元席位租赁净收入同比大幅下滑,代销金融产品业务净收入却在增长。半年报显示,东方证券、东北证券、安信证券、东吴证券及太平洋证券5家券商的代销金融产品净收入同比正增长。其中,东方证券和东北证券同比增长超一倍。 进入【新浪财经股吧】讨论相关的主题文章:

the strategy has been relatively cautious 欲医天下小说

What are the difficulties in collecting and charging WeChat? In the evening of February 15th, WeChat announced that since March 1st, WeChat changed the amount of cash to the bank card, will charge 0.1% of the user’s fee, at least 0.1 yuan. Each user (in the ID card dimension) enjoy a 1000 yuan free deposit amount, exceeding the part of the bank fees charged. WeChat word understatement notice, and did not make it clear they want to do, but by the industry all kinds of interpretation, also aroused a lot of doubt. For example, it is generally believed that WeChat withdrawals are actually equivalent to bank deposits. In theory, banks will not charge fees, and WeChat should not charge them. "The next Alipay no charge." But in fact, the so-called "withdrawals" means that the user transfers the money from the zero wallet to the bank card. Third party payment accounts to cash in the bank, known as the "pay", rather than "deposit". WeChat official on the twenty-first Century economic report said that each quick payment interface call, the bank will charge fees according to the amount of money, never free say. With the WeChat payment transaction volume exponential rise, the cost is already "volume level". WeChat has been subsidizing users. But because of the excessive cost pressure, WeChat began to take measures to collect fees from users." WeChat further explained that even if WeChat charge a fee of 0.1%, also lower than the rates charged by banks, WeChat is still in subsidies to users; even if WeChat generated interest in the bank account, to the current deposit interest rate is also very little, not from bank call interface costs offset. "The next Alipay" is also bear this cost, it has on the PC end the charges, but in the mobile terminal, Alipay also said, has been for the user take quick payment fee. In the face of domestic users who have long been accustomed to free, when Internet Co charges, there will always be twists and turns. But more importantly, many of the things between the bank and WeChat are unknown, including WeChat’s Bank set up in which bank, the bank charged a proportion of WeChat’s fees, and so on. This information asymmetry, WeChat questioned also inevitable. Things continue to ferment, and the market begins to spread all kinds of "curve salvation" way, in order to make withdrawals can be free. And this time, Tencent finance through the announcement: "WeChat use more deposits, Tencent finance through the free fee.". Perhaps it is intended to make a touch ball marketing, but also let some users mistakenly think of small change to buy financial products after free cash. The fact is that after the purchase of small change, the money is still in the small change account, but still need to pay the fee. WeChat says there’s only one way to hand out, and that’s to take out the change. In other words, WeChat uses this method, to some extent, is to promote the funds deposited in their own system, allowing users to use small change as much as possible consumption. But overall, the Tencent this move go a bit strange. The development of Tencent financial business, the strategy has been relatively cautious, not easily for friends to do the wedding dress on

提现收费微信有何“苦衷”?   文 纪佳鹏   2月15日傍晚,微信方面宣布,从3月1日起,微信零钱提现到银行卡,将会收取用户0.1%的手续费,最少为0.1元。每位用户(以身份证维度)一次性享受1000元免费提现额度,超出部分按银行费率收取手续费。   微信轻描淡写百来字的公告,并没有讲清楚他们要做的事情,反而是引发业内各种解读,也激起了不少疑问。比如,人们普遍认为微信提现实际上等同于在向银行存款,理论上银行不会收取费用,微信则更不应该收取。“隔壁支付宝都没有收。”   但事实上,所谓的提现,指的是用户把零钱包里面的钱转出到银行卡。第三方支付账户的提现,在银行方面称为“代付”,而并非“存款”。   微信官方对21世纪经济报道表示,每笔快捷支付接口调用,银行都会按金额收取手续费用,从来没有免费之说。随着微信支付交易量指数级上升,这笔成本已然是“天量级别”。“微信此前一直补贴用户。但由于成本压力过大,微信才开始采取向用户收费的措施。”   微信方面进一步解释说,即使微信收取0.1%的手续费,也低于银行收取的费率,微信仍然在补贴用户;即使微信在银行的账户产生了利息,以目前的存款利率也微乎其微,无法抵消银行调用接口所产生的费用。   “隔壁支付宝”其实也承受着这笔费用,其在PC端上早已实行了收费,而在移动端上,支付宝方面也表示,一直在替用户承担快捷支付的手续费。   面对国内早已习惯于免费的网民,互联网公司要进行收费时,总会有所波折。但更重要的是,银行和微信之间的许多事情是外界无法知晓的,包括微信将账户设立在哪家银行,这家银行收取了微信多少比例的手续费,等等。这种信息不对称下,微信遭受质疑也是在所难免。   事情持续发酵,坊间进而开始流传出各种“曲线救国”的方式,为了使提现能够免费。而这个时候,腾讯理财通推出公告:《微信零钱用途多 存腾讯理财通取出免手续费》。或许其本意是为了打个擦边球进行营销,但又让部分用户误以为零钱购买理财通的产品之后提现免费。而事实是,零钱购买理财通之后取出仍在零钱账户中,提现仍然需要手续费。   微信说,免提现的方法只有一种,那便是将零钱花出去。换句话说,微信采用如此方法,某种程度上是为了促进资金沉淀在自己体系之内,让用户尽可能用零钱消费。   但总体看,腾讯这几步棋走得有些蹊跷。腾讯系金融业务的发展,其战略推进一直相对谨慎,不会轻易为友商“做嫁衣”。微信支付虽然发展迅速,但是总体市场份额并没有超过支付宝,此番在支付宝前对移动端用户实行收费,与之前的风格并不一致。   红包大战,微信和QQ无疑获得了不小的胜利。但是,红包终究不是金融行为,而是社交行为。绑卡量涨上去了之后,第三方支付的真正决战点是在交易和消费。所以在春节红包大战之后,微信采取如此手段,一方面可以弥补自己的成本,另一方面无疑可以促进微信支付在各种消费场景中的使用频率。   其实,微信支付早已经设立了各种消费场景,“钱包”中目前就有手机充值、信用卡还款、理财通、生活缴费等多种选择。   (编辑:黄锴,邮箱:huangk@@21jingji) 进入【新浪财经股吧】讨论相关的主题文章:

Antofagasta rose 14.56% 大唐玉环记

London stock market rose 4 on 1.06%-, Sohu securities news agency Xinhua London February 4 (reporter Deng Qian) London stock market, financial times 100 stock average price index 4 daily closed at 5898.76 points, 61.62 points higher than the previous day, or 1.06%. Europe’s three major stock indexes were mixed on the same day. Policy, the British central bank announced on the day of the FOMC meeting minutes show that at the end of 3 days of the meeting, members of the monetary policy committee unanimously agreed to continue to maintain the benchmark interest rate at a record low of 0.5%, while maintaining the financial asset purchase programme of quantitative easing unchanged 375 billion pounds. Stocks, the mining stocks led, consumer related stocks led. Located or the top five stocks were: Anglo American shares rose 19.95%, Glencore shares rose 15.97%, Antofagasta rose 14.56%, BHP Billiton shares rose 10.79%, Rio’s share price rose 10.27%. In the decline in the top five stocks were: Astor Zeneca pharmaceutical company Coca-Cola shares fell 6.10%, Hellenic shares fell 5.57%, Imperial Tobacco Group shares fell 3.49%, chemical company Johnson Matthey fell 2.66%, Diageo shares fell 2.22% wine company. The other two major indexes in Europe, Paris CAC40 stock index closed at 4228.53 points, compared with the previous trading day up 1.57 points, or 0.04%; Germany Frankfurt DAX stock index closed at 9393.36 points, compared with the previous trading day down 41.46 points, or 0.44%. Author: Deng Qian, Xinhua News Agency)

伦敦股市4日上涨1.06%-搜狐证券   新华社伦敦2月4日电(记者邓茜)伦敦股市《金融时报》100种股票平均价格指数4日报收于5898.76点,比前一交易日上涨61.62点,涨幅为1.06%。欧洲三大股指当天涨跌不一。  政策方面,英国央行当天公布的议息会议纪要显示,在3日结束的议息会议上,货币政策委员会成员一致同意继续将基准利率维持在0.5%的历史低位,同时保持金融资产购买计划即量化宽松政策规模3750亿英镑不变。  个股方面,当天矿业股领涨,日用消费品相关个股领跌。位于涨幅前五位的个股分别为:英美资源股价上涨19.95%,嘉能可股价上涨15.97%,安托法加斯塔股价上涨14.56%,必和必拓股价上涨10.79%,力拓股价上涨10.27%。  位于跌幅前五位的个股分别为:制药公司阿斯特捷利康股价下跌6.10%,可口可乐希腊瓶装公司股价下跌5.57%,帝国烟草集团股价下跌3.49%,化学品公司庄信万丰股价下跌2.66%,酒业公司帝亚吉欧股价下跌2.22%。  欧洲其他两大主要股指方面,法国巴黎股市CAC40指数报收于4228.53点,比前一交易日上涨1.57点,涨幅为0.04%;德国法兰克福股市DAX指数报收于9393.36点,比前一交易日下跌41.46点,跌幅为0.44%。  作者:邓茜来源新华社)相关的主题文章: